This is a solution offering an easy-to-use and secure mobile
payment system with digital signature protection that functions on normal
mobile telephone handsets.
The solution uses public and private key technology saved on SIM
smart cards (WPKI), and basic mobile telephone functions. DPI/Hal's certicate
authority, DPI/Hal-CA is the first certificate agency in the region to have fully
mastered the technology for saving public and private keys on SIM smart cards.
Using WPKI technology and high quality software and the tried and tested
DPI/Hal business network and reliable technical connections with financial
institutions, the DPI/Hal M-Payments solutions offers the following major advantages
- security: digital signature (WPKI)
- easy-to-use: communication via SMS text message
- also suitable for high-value payments: payment settled directly
from user bank account
- operates on all normal mobile telephones
- low investment for partners (mobile operators, banks,
and goods and service providers): no major changes in information systems,
relatively simple interface required
Mobile Payments Benefits
WPKI (Wireless Public Key Infrastructure) technology provides
users with the same level of transaction security as a normal computer offers
for e-transactions, thanks to smart cards with qualified digital certificate.
These offer the highest (commercial) level of security for e-transactions. The
only difference lies in the fact that for DPI/Hal M-Payments the qualified digital certificate is saved on
the SIM smart card located within the mobile telephone, with the telephone
handset performing the function of reader and computer. It should be mentioned
that mobile telephones are much more widely compatible than personal computers,
so the future of digital transactions undoubtedly lies in the use of mobile
telephones as devices for legally valid remote signatures (mobile electronic
pens) and for secure and reliable remote identification (electronic ID).
Easy to use
In addition to security, another condition ensuring the
widespread use of this solution is the fact it is easy to use. Payment and
remote signature using the DPI/Hal M-Payments solution is just as easy as withdrawing cash from an ATM.
All communication is via SMS text message. When users order goods or services
via the web or telephone, the entire procedure is completed in just three
- the service or
goods provider sends the user an m-invoice to their mobile telephone
- the user signs
the m-invoice by entering the PIN number of the electronic certificate on
the SIM smart card (not the same as the SIM card PIN number)
- the user
receives confirmation of invoice payment on their mobile phone.
Given the high security standards and ease of use, the DPI/Hal M-Payments solution is particularly
suitable for the following e-services:
e-payment for goods and services (including high-value payments)
- Gambling and
other services …
Various partners must be included in the system to ensure the
full functionality of the DPI/Hal M-Payments solution. In addition to the certificate authority and mobile operator (or several operators)
providing the security and the communication services, banks (payments go
directly via the user's bank account) and goods and service providers must also be included as
partners. Joining the system does not require partners to make any complex
changes to their existing business solutions.
In order to integrate their back office with the DPI/Hal M-Payments solution, banks or major goods and service
providers only need to install a relatively simple interface, via which the
bank and provider can communicate with the processing centre (EBB). Smaller
providers and others that do not want to integrate the DPI/Hal M-Payments
solution into their information system can communicate with customers (sending
SMS text messages).